Mortage Calculator

Estimate your monthly mortgage payments in AED.

Currency: AED — United Arab Emirates Dirham.

Results

Monthly Principal & Interest:
Total Monthly Payment:

Acquisition Fees Breakdown

Land Department Fee (4% + 580):
Registration Trustee Fee:
Mortgage Registration Fee (0.25% + 10):
Commission (2% + 5% VAT):
Knowledge Fee: AED 290
Total Acquisition Fees:
*Bank processing fee (0.25%–1% + 5% VAT) and valuation fee (AED 2,500–4,000 + VAT) are not included.

Disclaimer :
The results provided by this calculator are for indication purposes only. Final calculations will be provided by our in-house mortgage team. We work with all banks and financial institutions in the UAE to offer you the best and lowest interest rates. Contact us for a free mortgage consultation to find out how much you can borrow, whether it’s for your home or an investment property.

Smart Ways to Reduce Your EMI Payments

Extend Your Mortgage Term

If you’ll be under 65 by the end of your mortgage, consider increasing the tenure up to 25 years. A longer term spreads out repayment and can lower your monthly EMI, giving flexibility.

Increase Your Down Payment

The larger the amount you pay upfront, the less you need to borrow. A smaller loan means a reduced EMI easing your monthly burden significantly.

Refinance When Rates Drop

Keep track of changing interest rates. If they fall, refinancing your mortgage can bring down your EMI and save you money over the long run.

Make Extra Payments When Possible

Putting any additional funds toward your loan even occasionally helps reduce your principal faster. This lowers your total interest and brings down future EMIs.

Choose a Fixed-Rate Mortgage

Locking in a low fixed interest rate can protect you from future rate hikes. It ensures steady, predictable EMIs and keeps your financial planning stress-free.

Calculate Your Dream Home Payments

Find out your monthly mortgage easily and plan your investment with confidence.

FAQs

Most banks in the UAE require a minimum monthly salary of AED 10,000–12,000 to qualify for a home loan. Some banks may require more depending on your profile and employer category.